Libertyville Bank & Trust Company, N.A.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 7.70 percentage points higher than in Q1 2026, at 34.54%. Libertyville Bank & Trust Company, N.A. ranks 88th of 323 Illinois banks on loan-to-deposit ratio, in the upper half at 86.54% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio; Libertyville Bank & Trust Company, N.A. reported 86.54% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.47B |
| Net loans and leases | $2.45B |
| Loans held for sale | $0 |
| Loans to total assets | 74.01% |
| Loan-to-deposit ratio | 86.54% |
| Net loans to equity capital | 8.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.74% |
| Multifamily (5+ residential) | 5.58% |
| Commercial and industrial | 42.04% |
| Consumer | 13.11% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.08% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 181.63% |
| Construction concentration (Tier 1 capital + allowance) | 34.54% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $33.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.01B | $2.19B | 20.06% | 40.11% | 17.30% |
| Q4 2023 | $1.97B | $2.18B | 21.12% | 37.85% | 17.47% |
| Q1 2024 | $2.06B | $2.21B | 19.75% | 40.74% | 16.62% |
| Q2 2024 | $2.14B | $2.27B | 19.28% | 41.60% | 15.84% |
| Q3 2024 | $2.08B | $2.23B | 19.26% | 39.55% | 16.77% |
| Q4 2024 | $2.14B | $2.27B | 19.76% | 39.67% | 16.38% |
| Q1 2025 | $2.23B | $2.40B | 19.40% | 42.18% | 15.73% |
| Q2 2025 | $2.28B | $2.52B | 18.78% | 42.45% | 15.05% |
| Q3 2025 | $2.36B | $2.65B | 19.03% | 40.10% | 14.68% |
| Q4 2025 | $2.40B | $2.65B | 19.49% | 38.64% | 14.52% |
| Q1 2026 | $2.41B | $2.66B | 19.43% | 40.38% | 13.82% |
| Q2 2026 | $2.47B | $2.86B | 18.74% | 42.04% | 13.11% |
Libertyville Bank & Trust Company, N.A. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Libertyville Bank & Trust Company, N.A., freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Libertyville Bank & Trust Company, N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34073) · FFIEC NIC profile (RSSD 2339795)